Community Bank, Lexington, Tennessee: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 8.63 percentage points in Q2 2026, from 203.52% to 212.15%. It was the largest change from Q1 2026 among the key lines here. Community Bank, Lexington, Tennessee ranks 13th of 109 Tennessee banks on loan-to-deposit ratio, in the upper half at 100.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. Community Bank, Lexington, Tennessee sits 19.19 points higher, at 100.03% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $301.1M |
| Net loans and leases | $298.4M |
| Loans held for sale | $0 |
| Loans to total assets | 84.23% |
| Loan-to-deposit ratio | 100.03% |
| Net loans to equity capital | 7.81% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 30.91% |
| Multifamily (5+ residential) | 3.92% |
| Commercial and industrial | 7.62% |
| Consumer | 9.86% |
| Credit cards | 0.00% |
| Farm | 2.10% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.18% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 212.15% |
| Construction concentration (Tier 1 capital + allowance) | 71.11% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.01% |
| Interest income on loans | $5.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $253.0M | $259.1M | 24.92% | 7.18% | 23.10% |
| Q4 2023 | $258.0M | $264.5M | 23.65% | 6.63% | 24.58% |
| Q1 2024 | $263.8M | $267.1M | 23.91% | 6.24% | 24.72% |
| Q2 2024 | $270.3M | $283.5M | 23.17% | 6.71% | 24.11% |
| Q3 2024 | $271.0M | $268.9M | 21.70% | 8.15% | 23.50% |
| Q4 2024 | $268.1M | $272.5M | 22.97% | 7.72% | 21.74% |
| Q1 2025 | $266.0M | $286.5M | 21.71% | 7.67% | 19.80% |
| Q2 2025 | $265.0M | $274.7M | 21.61% | 8.77% | 18.14% |
| Q3 2025 | $284.6M | $297.2M | 22.54% | 8.73% | 14.95% |
| Q4 2025 | $295.2M | $299.2M | 28.11% | 8.40% | 13.56% |
| Q1 2026 | $297.5M | $303.4M | 28.85% | 8.12% | 11.28% |
| Q2 2026 | $301.1M | $301.0M | 30.91% | 7.62% | 9.86% |
Community Bank, Lexington, Tennessee loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Community Bank, Lexington, Tennessee, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Community Bank, Lexington, Tennessee profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 31272) · FFIEC NIC profile (RSSD 361279)